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WO2009005927A3 - Gestion des fraudes et risques liés aux cartes prépayées - Google Patents

Gestion des fraudes et risques liés aux cartes prépayées Download PDF

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Publication number
WO2009005927A3
WO2009005927A3 PCT/US2008/065552 US2008065552W WO2009005927A3 WO 2009005927 A3 WO2009005927 A3 WO 2009005927A3 US 2008065552 W US2008065552 W US 2008065552W WO 2009005927 A3 WO2009005927 A3 WO 2009005927A3
Authority
WO
WIPO (PCT)
Prior art keywords
fraud
parameters
prepaid
prepaid card
risk management
Prior art date
Application number
PCT/US2008/065552
Other languages
English (en)
Other versions
WO2009005927A2 (fr
Inventor
Justin T Monk
Original Assignee
Visa Usa Inc
Justin T Monk
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Visa Usa Inc, Justin T Monk filed Critical Visa Usa Inc
Priority to AU2008270909A priority Critical patent/AU2008270909B2/en
Priority to CA2690052A priority patent/CA2690052A1/fr
Priority to BRPI0812376-4A2A priority patent/BRPI0812376A2/pt
Publication of WO2009005927A2 publication Critical patent/WO2009005927A2/fr
Publication of WO2009005927A3 publication Critical patent/WO2009005927A3/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Pinball Game Machines (AREA)

Abstract

Un procédé de surveillance de fraude associé à des dispositifs prépayés comprend la configuration de paramètres de plateforme de fraude qui comprennent une ou plusieurs limites définies par une ou plusieurs valeurs, chaque limite étant associée à un paramètre de plateforme particulier, un ou plusieurs seuils définis par une ou plusieurs valeurs, chaque seuil étant associé à un paramètre de plateforme particulier, et une ou plusieurs règles qui définissent des limites pour certaines activités de dispositifs prépayés. Le procédé comprend en outre l'application des paramètres de plateforme de fraude à des données de production de dispositif prépayé et la détermination s'il convient d'émettre le dispositif prépayé selon que des paramètres ont été déclenchés par les données de production.
PCT/US2008/065552 2007-06-04 2008-06-02 Gestion des fraudes et risques liés aux cartes prépayées WO2009005927A2 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
AU2008270909A AU2008270909B2 (en) 2007-06-04 2008-06-02 Prepaid card fraud and risk management
CA2690052A CA2690052A1 (fr) 2007-06-04 2008-06-02 Gestion des fraudes et risques lies aux cartes prepayees
BRPI0812376-4A2A BRPI0812376A2 (pt) 2007-06-04 2008-06-02 Métodos para monitorar e administratar fraude associada com dispositivos.

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/757,893 2007-06-04
US11/757,893 US8165938B2 (en) 2007-06-04 2007-06-04 Prepaid card fraud and risk management

Publications (2)

Publication Number Publication Date
WO2009005927A2 WO2009005927A2 (fr) 2009-01-08
WO2009005927A3 true WO2009005927A3 (fr) 2009-02-26

Family

ID=40089349

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2008/065552 WO2009005927A2 (fr) 2007-06-04 2008-06-02 Gestion des fraudes et risques liés aux cartes prépayées

Country Status (5)

Country Link
US (2) US8165938B2 (fr)
AU (1) AU2008270909B2 (fr)
BR (1) BRPI0812376A2 (fr)
CA (1) CA2690052A1 (fr)
WO (1) WO2009005927A2 (fr)

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US20050097051A1 (en) * 2003-11-05 2005-05-05 Madill Robert P.Jr. Fraud potential indicator graphical interface

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WO2009005927A2 (fr) 2009-01-08
US20080301019A1 (en) 2008-12-04
CA2690052A1 (fr) 2009-01-08
AU2008270909A1 (en) 2009-01-08
US8165938B2 (en) 2012-04-24
AU2008270909B2 (en) 2013-01-10
BRPI0812376A2 (pt) 2015-02-03
US20120179591A1 (en) 2012-07-12

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